Interest in digital underwriting evidence is surging. What's missing? A clear framework for translating insights into action. Enter JVID视频's Digital Underwriting Evidence (DUE) Playbook, a practical, research-backed guide to selecting, combining, and optimizing digital underwriting evidence. Built on years of carrier studies and JVID视频's underwriting and actuarial expertise, the Playbook provides the evidence, methodology, and decision rules needed to deliver your targeted mortality outcomes without unnecessary cost or complexity.
Delivering the greatest increases in underwriting decision rates
Combining DUE sources always outperforms any single source
Achieving significant mortality savings relative to foundational requirements alone, with rigorous methodology
"Success does not always require the most expensive options to achieve strong outcomes. Scenarios exist where dramatically cutting DUE costs results in only small decreases in mortality protection."
— Major US Insurer
EHR, medical claims, and LabPiQture each provide a different lens into health. Knowing what each reveals (and misses) provides the starting point.
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LP and MC are complementary, not interchangeable. JVID视频 research shows that the right pairing can approach EHR-level mortality performance at meaningfully lower cost.
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The DUE Playbook identifies specific conditions under which simplifying the evidence strategy preserves nearly all the mortality benefit.
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A surface reading may suggest 38% mortality savings, but rigorous methodology ranges from 14 to 27%. The difference matters, and the Playbook provides the framework to get this right.
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The DUE Playbook is the culmination of a multi-year research program across carrier partnerships. These are the studies that built the methodology.
Taylor Pickett is a Vice President and Actuary at JVID视频. Taylor currently works as part of the data commercialization team, serving as the product owner for JVID视频’s MedScore portfolio, including MedScore Life & Disability and MarketInsights. In this role, Taylor guides the creation and refinement of innovative JVID视频 products that transform data into actionable intelligence, helping clients make more precise risk decisions and achieve improved business outcomes.
Previously, Taylor served as JVID视频’s actuarial subject matter expert for novel underwriting, supporting newer underwriting paradigms through program monitoring, data analysis and assumption development. Taylor has over 15 years of life reinsurance experience including roles in experience studies, research, pricing and assumption development.
Taylor holds a Master's of Science in actuarial science from Maryville University in St. Louis, Missouri. He is a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries.
Executive Director
Underwriting Research and Development
Our team can walk through the methodology, apply it to your block of business,and help determine the right DUE strategy for your program.
